Consumer Finance
BOK Roshan Ghar Scheme

Switch to the benefits of solar energy with BOK Roshan Ghar Home Solar Energy System.

  • Purchase of Solar Energy system through bank’s approved vendors
  • Facility amount:
    • Category A (Clean Finance): UP to PKR 500,000/-
    • Category B (Secured Finance): Exceeding PKR 500,000/-
  • Debt: Equity ratio:
    • Category A: 75 : 25 (based on approved vendor’s sale invoice)
    • Category B: 85 : 15 (based on approved vendor’s sale invoice)
  • Financing period from 6 months to 7 years.
  • Payment shall be paid directly to vendor as per invoice terms & conditions
  • Borrower’s life insurance from Bank’s approved insurance company.
  • SBP Refinance of Renewable Energy at fixed markup rate of 6% (subject to allocation of limit from SBP)

Securities

 

  • Category A (Clean Finance): Personal Guarantee of BOK customer maintaining average balance more than proposed loan amount OR Govt. employee of grade 16 /above.
  • Category B (Secured Finance): Any other tangible security approved by the Bank.
  • Permanent Employee of Govt. /semi Govt. with minimum service history of 01 year.
  • Businessmen / self-employed persons with business history of 3 years
  • Minimum age 22 years, it shall not be more than 60 years at the time of maturity of finance facility for salaried person and 65 years for businessman.
  • Average monthly verifiable income should be 3 times of the proposed monthly installment; with minimum monthly income of PKR 25,000/-.
  • Securities:
    • Category A (Clean Finance):  Personal Guarantee of BOK customer maintaining average balance more than proposed loan amount OR Govt. employee of grade 16 /above.
    • Category B (Secured Finance):  Any other tangible security approved by the Bank.

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